Casco (own-damage car insurance) — Netherlands

[1] Own damage: Covered ↩

WA Volledig Casco (Full Casco/Allrisk) covers damage to your own car, based on the car's catalogue/day value, unlike the WA-only cover which never pays for your own vehicle. A standard deductible of €150 per event applies, waived to €0 if repaired via the ABN AMRO Schade Service network.

Aan je auto, veroorzaakt door jezelf

[2] Total loss: Covered ↩

Total loss due to a covered cause (including theft) is covered, settled based on the car's catalogue/day value; a replacement vehicle is provided for up to 30 days when repaired/settled via the ABN AMRO Schade Service network.

Is er sprake van verlies of diefstal van uw auto? Dan keren wij niet uit als de auto binnen 20 dagen is teruggevonden. Wordt de auto na 20 dagen teruggevonden? Dan keren wij pas uit als het eigendom van uw auto aan ons is overgedragen;

[3] Partial loss: Covered ↩

Repairable damage to the insured car (accident damage, own fault damage if not intentional, and named perils) is covered subject to the standard €150 deductible, waived via the ABN AMRO Schade Service network.

Schade aan je auto die veroorzaakt is door jezelf, is alleen gedekt met een WA Volledig Casco autoverzekering . Er mag hierbij geen sprake zijn van opzet.

[4] Theft & robbery: Conditional ↩

Theft, attempted theft, burglary and joyriding are covered even if the car does not meet the required SCM security classification; in that case a deductible of 2.5% of the car's catalogue value applies, with a minimum of €375. If the car meets the required security class, there is no deductible for these events.

Met een ABN AMRO autoverzekering ben je gedekt tegen diefstal, ook al voldoet je auto niet aan de beveiligingseisen. Wel heb je dan een eigen risico van 2,5% van de cataloguswaarde (met een minimum van € 375).

[5] Glass damage: Covered ↩

Windscreen and other car glass damage is covered. Glass replacement carries a €75 deductible when done by a network repairer (€150 otherwise); glass repair via a network repairer has no deductible.

Bij ruitvervanging is het een eigen risico € 75,-. Dit geldt alleen bij vervanging door een schadeherstelbedrijf uit ons netwerk. Anders is het eigen risico € 150,-.

[6] Natural perils: Covered ↩

Damage caused by weather-related natural events such as storm, hail, lightning and flooding, as well as fire, is covered under the standard €150 deductible.

Als gevolg hiervan kan je auto waterschade, stormschade of brandschade oplopen. Ontdek wat je autoverzekering dekt als je auto schade oploopt vanwege een natuurramp.

[7] Vandalism: Covered ↩

Damage to your car caused by vandalism is covered under WA Volledig Casco, unlike the more limited WA Beperkt Casco cover which excludes vandalism.

Is je auto beschadigd als gevolg van vandalisme? Dat is vervelend. Gelukkig ben je voor zulke situaties verzekerd met een WA Volledig Casco autoverzekering.

[8] Roadside assistance: Optional ↩

Roadside assistance (Pechhulp) is offered as an additional, separately selectable cover on top of the WA Volledig Casco policy, e.g. for breakdown help including flat EV batteries.

Zoals autorechtsbijstand of pechhulp.

[9] Replacement vehicle: Conditional ↩

If the car is stolen or declared a total loss, you are entitled to up to 30 days of (where possible equivalent) replacement transport from the moment the theft is reported or the total loss is declared; fuel is not reimbursed.

is uw auto gestolen of total loss? Dan heeft u recht op maximaal 30 dagen (waar mogelijk gelijkwaardig) vervangend vervoer. Dit geldt vanaf het moment dat u de diefstal bij ons meldt of dat uw auto total loss is verklaard. De kosten voor brandstof vergoeden wij niet;

[10] Driver accident: €1,000,000 ↩

Cover for injury to the driver and passengers (inzittendenverzekering) is offered as an optional additional policy, not included by default in WA Volledig Casco.

Deze verzekering vergoedt schade aan bestuurder en andere inzittenden en hun spullen bij een verkeersongeval met de verzekerde auto, tot maximaal € 1.000.000,-. Is de schade door een andere verzekering gedekt? Dan geldt die verzekering.

[11] Own damage: Covered ↩

With Volledig Casco (Allrisk), almost all damage to your own car is covered, including damage caused by your own fault. No fixed maximum sum insured is stated; settlement is based on new value, purchase value or day value depending on the vehicle's age.

Met Volledig Casco is bijna alle schade aan uw eigen auto verzekerd. Ook als het uw eigen schuld is.

[12] Total loss: Conditional ↩

If the car is stolen or suffers a covered total-loss damage and you have owned it for 3 years or less, you receive the new value (if you are the first owner) or the purchase value (if bought second-hand) instead of the day value. This value scheme applies to cars with a purchase or new value up to €130,000; cars above that have a separate arrangement. If you cannot prove the purchase value, at most the day value is paid.

Is uw auto gestolen of is deze door een gedekte schade total loss en heeft u de auto 3 jaar of korter, dan krijgt u de aanschafwaarde of de nieuwwaarde vergoed.

[13] Partial loss: Covered ↩

Repair costs for damage to the insured car that is not a total loss are covered; no fixed sum insured is stated.

Bij schade (behalve bij ruitschade) kiest u zelf wie de reparatie uitvoert.

[14] Theft & robbery: Covered ↩

Damage caused by (an attempt at) burglary or theft is covered under Volledig Casco. If the car is stolen and is 3 years old or less, the new/purchase value is paid; otherwise the day value applies.

Met Volledig Casco is schade door (een poging tot) inbraak verzekerd.

[15] Glass damage: Covered ↩

Glass repair and replacement are covered under Volledig Casco, but only when carried out by a BOVAG-affiliated repairer. Glass repair carries no deductible; glass replacement carries the chosen deductible, with a minimum of €150.

Met Volledig Casco is ruitschade verzekerd. Wij vergoeden de reparatie of vervanging alleen als deze is uitgevoerd door een BOVAG aangesloten herstelbedrijf.

[16] Natural perils: Covered ↩

Damage caused by, for example, fire, storm, hail, lightning or flooding is covered under Volledig Casco.

Met Volledig Casco is schade door bijvoorbeeld brand, storm, hagel, bliksem of overstroming verzekerd.

[17] Vandalism: Covered ↩

Volledig Casco (Allrisk) covers almost all damage to the own car, including damage caused by the policyholder's own fault, which in practice includes vandalism-type damage (excluding intentional acts by the policyholder).

Met Volledig Casco is bijna alle schade aan uw eigen auto verzekerd. Ook als het uw eigen schuld is.

[18] Roadside assistance: Optional ↩

Assistance in the event of a breakdown is available via Pechhulp Nederland and/or Pechhulp Buitenland; the policyholder chooses the geographic scope (Netherlands only or also abroad) to add to the policy.

Met Pechhulp Nederland en/of Pechhulp Buitenland is hulp bij pech verzekerd.

[19] Replacement vehicle: Covered ↩

When the car is repaired by a repairer Avéro Achmea works with, replacement transport is provided during the repair for up to 30 calendar days, alongside a 4-year repair guarantee.

Herstel door een reparateur met wie wij samenwerken, heeft extra voordelen. Zoals 4 jaar garantie op de reparatie en vervangend vervoer tijdens de reparatie tot maximaal 30 kalenderdagen.

[20] Driver accident: €1,000,000 ↩

A separate, additional Inzittendenverzekering covers medical costs, healthcare costs, pain-and-suffering compensation, temporary loss of income, permanent disability costs and funeral costs following an accident with the car, up to €1,000,000. Luggage, clothing and belongings in or on the car are covered up to €5,000. This cover is not part of the base Volledig Casco cover.

Met de Inzittendenverzekering zijn medische kosten, zorgkosten, smartengeld en tijdelijk verlies van het inkomen na een ongeval met de auto verzekerd. Ook de kosten bij blijvende invaliditeit en kosten voor een uitvaart zijn dan verzekerd. Deze kosten zijn verzekerd tot € 1.000.000,-. Schade aan bagage, kleding of spullen in of op de auto is verzekerd tot € 5.000,-.

[21] Own damage: Conditional ↩

Damage to the insured's own vehicle caused by their own fault is only covered under the Allrisk (Volledig Casco) tier; it is not covered under WA+ (Beperkt Casco).

De meest uitgebreide dekking. Ook schade aan uw eigen auto door bijvoorbeeld een aanrijding die u zelf veroorzaakt, is verzekerd.

[22] Total loss: €60,000 ↩

A 36-month new value or purchase value guarantee applies up to €60,000 in case of theft or total loss of the vehicle.

Aanschafwaardegarantie 3 jaar tot €60.000,-

[23] Partial loss: Covered ↩

From the WA+ (Beperkt Casco) tier onward, partial damage such as fire, storm or hail damage, short circuit, collision with animals, theft, joyriding and glass breakage is covered.

Met WA + Beperkt Casco bent u verzekerd voor schade die u met uw auto aan anderen veroorzaakt. Daarnaast is bepaalde schade aan uw eigen auto verzekerd, zoals diefstal, ruitschade en schade door brand, storm of hagel.

[24] Theft & robbery: €60,000 ↩

Theft of the vehicle is covered from the WA+ (Beperkt Casco) tier onward; the 36-month new value/purchase value guarantee up to €60,000 also applies to theft.

Aanschafwaardegarantie 3 jaar tot €60.000,-

[25] Glass damage: Covered ↩

Glass breakage (ruitbreuken) is covered from the WA+ (Beperkt Casco) tier onward.

Met WA + Beperkt Casco en WA + Volledig Casco is ruitschade verzekerd. Met alleen een WA-verzekering is schade aan uw eigen autoruit niet verzekerd.

[26] Natural perils: Covered ↩

Damage caused by natural perils such as storm or hail is covered from the WA+ (Beperkt Casco) tier onward.

Naast schade aan anderen bent u onder andere verzekerd tegen diefstal, ruitschade, brand, storm en hagel.

[27] Vandalism: Covered ↩

Auto damage caused by vandalism is covered under limited casco coverage without affecting no-claim discount

Autoschade door vandalisme is al verzekerd bij de beperkt casco dekking en heeft geen gevolgen voor de no-claim.

[28] Roadside assistance: See details ↩

Not specified for the ACSI car insurance product in the available sources (roadside assistance/pechhulp is documented for ACSI's camper and motorcycle insurance, but not confirmed for the car product).

[29] Replacement vehicle: Conditional ↩

Free replacement vehicle during repair at approved repair shops

Gratis vervangend vervoer bij repartie bij aangesloten herstelbedrijf. Extra gemak tijdens de reparatieperiode.

[30] Driver accident: Optional ↩

An occupant insurance covering damage to occupants and their belongings in an accident is available as an optional additional cover, not mandatory and not part of base casco coverage.

U kunt de ACSI Autoverzekering uitbreiden met aanvullende dekkingen. Zo kunt u onder andere kiezen voor rechtsbijstand, een ongevallenverzekering voor inzittenden en een schadeverzekering voor inzittenden.

[31] Own damage: Excluded ↩

Damage to your own car from an accident or parking damage is explicitly excluded under Beperkt Casco; a comprehensive Allrisk (Volledig Casco) policy is required for this cover.

Schade aan je eigen auto door een ongeval of parkeerschade.

[32] Total loss: €200,000 ↩

In case of theft or total loss caused by an insured peril, the car's value is paid based on the highest of the ANWB/BOVAG list price or actual value; for imported cars only actual value applies. For cars up to 12 months old, new value (max €200,000 incl. VAT) applies; for cars 1-6 years old, purchase value (max €100,000 incl. VAT) applies.

Dan gaan we de eerste 12 maanden van je verzekering en tot de auto 1 jaar oud is uit van de nieuwwaarde van de auto. Maximale vergoeding: € 200.000 incl. btw.

[33] Partial loss: Covered ↩

Repair costs are covered for damage caused by insured perils under Beperkt Casco (e.g. hail, storm, fire, theft, glass, animal collision); damage from accidents or parking is excluded.

Schade direct veroorzaakt door: hagel, storm (minimaal windkracht 7, windsnelheid minstens 14 meter per seconde o.b.v. windkaarten van KNMI), orkaan, tornado, overstroming, blikseminslag, aardverschuiving, modderstroom, lawines, aardbeving en vulkaanuitbarsting.

[34] Theft & robbery: Covered ↩

Damage from theft, attempted burglary, fraud, robbery, embezzlement and joyriding is covered, subject to security requirements shown on the policy schedule; damage is not covered if the car was unlocked, keys were left inside, windows were open, or required security systems were not fitted.

Schade als de auto niet op slot was, de sleutels in de auto lagen of de ramen niet goed dicht waren; Schade als de auto niet het juiste alarm- of beveiligingssysteem heeft.

[35] Glass damage: €250 ↩

Repair or replacement of broken or cracked windows and sunroof glass is covered, including glass-splinter damage to luggage up to €250, when carried out by partner glass repairers; using a non-partner repairer without the optional Free Repair Choice cover results in a €250 (repair) or €500 (replacement) reduction in payout.

Vervanging en reparatie van gebroken en gebarsten ruiten en de ruit van het zonnedak. En schade door glasscherven van de autoruit aan de bagage in je auto tot € 250.

[36] Natural perils: Covered ↩

Damage directly caused by hail, storm (minimum wind force 7), hurricane, tornado, flood, lightning strike, landslide, mudslide, avalanche, earthquake and volcanic eruption is covered.

Schade direct veroorzaakt door: hagel, storm (minimaal windkracht 7, windsnelheid minstens 14 meter per seconde o.b.v. windkaarten van KNMI), orkaan, tornado, overstroming, blikseminslag, aardverschuiving, modderstroom, lawines, aardbeving en vulkaanuitbarsting.

[37] Vandalism: Excluded ↩

Damage caused by vandalism (intentional damage by a third party) is explicitly not covered under Beperkt Casco.

[38] Roadside assistance: Optional ↩

Breakdown assistance (mechanical/electrical failure) is not part of the base Beperkt Casco cover and must be purchased as a separate Pechhulp add-on; accident-related recovery/transport home (thuisbrengservice) is included in the base policy.

Op deze hulp kun je rekenen bij schade. Let op: dit geldt niet bij pech, want daarvoor kan je een aparte pechhulpverzekering sluiten.

[39] Replacement vehicle: 15 days – 30 days ↩

A replacement vehicle is provided for a maximum of 15 days in case of total loss and up to 30 days in case of theft (until the car is recovered); instead of a replacement vehicle, an allowance of €30 per day can be chosen. Combining both is not possible.

Vervangende auto bij total loss: max. 15 dagen. Vervangende auto bij diefstal: tot je eigen auto is teruggevonden, maar max. 30 dagen.

[40] Driver accident: €1,000,000 ↩

The optional Inzittendenverzekering covers injury and property damage to the driver and passengers up to €1,000,000 per event; this is not part of the base Beperkt Casco policy.

Maximale vergoeding: € 1.000.000 per gebeurtenis.

[41] Own damage: €200,000 ↩

All Risk covers damage to the policyholder's own car caused by a collision, crash, skidding, overturning, running off the road or into water, and parking damage — including when the policyholder is at fault. Repair costs are reimbursed up to the vehicle's value (new-value up to €200,000 for cars up to 1 year old, purchase-value up to €100,000 for cars 1-6 years old, otherwise market value).

Maximale vergoeding: € 200.000 incl. btw.

[42] Total loss: €200,000 ↩

If repair costs exceed the difference between the car's value and its salvage value, or repair is technically not feasible, the car is total loss and Allianz Direct pays the value of the car (new-value up to €200,000 in year 1, purchase-value up to €100,000 for cars up to 6 years, otherwise the higher of the ANWB/BOVAG price list or actual value) minus the salvage value.

Maximale vergoeding: € 200.000 incl. btw.

[43] Partial loss: €200,000 ↩

When repair costs are lower than the difference between the car's value and its salvage value, Allianz Direct pays the repair cost minus the chosen deductible; failing to have bodywork damage repaired results in the deductible being deducted from the payout, and unrepaired glass damage receives no payout.

Maximale vergoeding: € 200.000 incl. btw.

[44] Theft & robbery: €200,000 ↩

Covers theft, attempted burglary, deception, robbery, embezzlement (borrowed car not returned) and joyriding. Stolen car keys are covered only if the locks are replaced immediately and the theft is reported to the police within 24 hours. If the car is not recovered within 30 days, the car's value (per the new-value/purchase-value/market-value regime) minus salvage value is paid; if recovered later, the payout must be repaid to reclaim the car.

Maximale vergoeding: € 200.000 incl. btw.

[45] Glass damage: Covered ↩

Glass repair and replacement are covered with no deductible. Via Autotaalglas, Carglass or Schadenet: paid in full. Via a brand dealer, BOVAG or Focwa repairer: €250 co-payment for repair, €500 for replacement (paid in full with Vrije Reparatiekeuze). Via any other repairer: no payout (with Vrije Reparatiekeuze: €250/€500 co-payment). Damage to luggage from broken glass is covered up to €250.

Ruitreparatie: € 250 eigen bijdrage Ruitvervanging: € 500 eigen bijdrage

[46] Natural perils: €200,000 ↩

Covers damage directly caused by hail, storm (minimum wind force 7, at least 14 m/s per KNMI wind maps), hurricane, tornado, flood, lightning, landslide, mudflow, avalanche, earthquake and volcanic eruption, as well as fire, explosion and short-circuit.

Maximale vergoeding: € 200.000 incl. btw.

[47] Vandalism: €200,000 ↩

Covers intentional damage to the car by a third party and a hacking attack directly on the car itself; an attack on a server or digital platform that communicates with the car is excluded.

Maximale vergoeding: € 200.000 incl. btw.

[48] Roadside assistance: Optional ↩

Post-accident recovery and transport (towing the car and driver/passengers home, storage, replacement transport) is included automatically within All Risk as 'Hulp bij schade'. Assistance for mechanical/electronic breakdown, a flat battery, empty fuel tank, lost/broken keys or a flat tyre is NOT included in the base policy and requires the separate optional 'Pechhulp Verzekering', which provides a 24/7 alarm centre, on-the-spot help within 60 minutes, transport to a repairer, and hotel/replacement-transport allowances.

Op deze hulp kun je rekenen bij schade. Let op: dit geldt niet bij pech, want daarvoor kan je een aparte pechhulpverzekering sluiten.

[49] Replacement vehicle: €30 ↩

Included with All Risk: a replacement car during repair by an Allianz Direct repairer in the Netherlands (not for glass-only damage), a replacement car abroad during (emergency) repair for a maximum of 15 days, up to 15 days for total loss, and up to 30 days (until the car is found) for theft. Instead of a replacement car, policyholders can choose a €30 per day allowance for travel costs; combining both is not possible.

Vervangende auto bij total loss: max. 15 dagen. Vervangende auto bij diefstal: tot je eigen auto is teruggevonden, max. 30 dagen. In plaats van een vervangende auto, kun je ook kiezen voor een vergoeding van € 30 per dag voor de gemaakte reiskosten tijdens de bovenstaande periode die voor jou geldt.

[50] Driver accident: €1,000,000 ↩

Optional add-on covering injury to, and damage to belongings of, the driver and passengers resulting from a traffic accident, up to €1,000,000 per event; a seatbelt-non-use penalty reduces compensation by 25%, and undeclared (black-market) income losses are excluded.

Maximale vergoeding: € 1.000.000 per gebeurtenis. Hoeveel we betalen en aan wie we betalen, bepalen we volgens de regels in Boek 6 van het Burgerlijk Wetboek.

[51] Own damage: Conditional ↩

Damage to the insured vehicle caused by collision, overturning, running off the road or into water is covered, including when the policyholder is at fault. This is only included under the Casco tier; the Mini Casco tier does not cover collision damage.

We vergoeden schade aan of verlies van de auto door botsing, omslaan, of als de auto van de weg raakt of in het water raakt. Ook als dat komt door een eigen gebrek van de auto.

[52] Total loss: Covered ↩

Total loss is settled at new value (up to 36 months from first registration, first owner only), purchase value (up to 36 months from purchase, non-first owner, car max. 48 months old at policy inception) or otherwise day value, each up to €60,000 consumer price including VAT/BPM; under the new-value arrangement the payout may exceed the insured sum. Covered under both the Mini Casco and Casco tiers.

Als er sprake is van totaal verlies (total loss), dan betalen wij het verschil tussen de waarde van de auto vlak voor en na het ontstaan van de schade.

[53] Partial loss: Covered ↩

Repair costs are reimbursed when the vehicle is damaged but not a total loss, up to the insured sum stated on the policy. Included under both the Mini Casco and Casco tiers.

Wij vergoeden bij schade aan de auto uitsluitend de reparatiekosten.

[54] Theft & robbery: €15 – €25 ↩

Covered under both tiers subject to a 30-day waiting period after reporting before any payout, and surrender of all registration documents and keys. A daily use-of-vehicle allowance is paid from the day of reporting for a maximum of 30 days: €15/day under Mini Casco and €25/day under Casco.

Ook vergoeden wij € 15 per dag bij een minicascodekking of € 25 per dag bij een cascodekking vanaf de dag dat u het verlies of de diefstal bij ons heeft gemeld tot de dag waarop u weer over uw auto kunt beschikken.

[55] Glass damage: Covered ↩

Windscreen and window breakage, including resulting damage to the vehicle, is covered under both tiers. No deductible applies when repaired via the Glasgarant affiliated network; a €250 deductible applies for a non-affiliated glass specialist.

Bij ruitschade kunt u kiezen wie de reparatie uitvoert. U heeft geen eigen risico bij reparatie of vervanging van de ruit door een bij Glasgarant aangesloten ruitspecialist. Uw eigen risico bedraagt € 250 als u de ruit laat repareren of vervangen door een niet bij Glasgarant aangesloten hersteller.

[56] Natural perils: Covered ↩

Damage from hail, flooding and avalanches is covered under both tiers; damage caused by streets flooded after heavy rainfall is excluded.

We vergoeden schade aan of verlies van de auto door natuurrampen zoals hagel, overstroming en lawines. Gaat het bij overstroming van straten die zijn ondergelopen na hevige regenval? Dan vergoeden we de schade niet.

[57] Vandalism: Conditional ↩

Under Mini Casco, a vandalism payout requires an immediate police report, no vandalism claim in the previous two years, a policy inception more than three months earlier, and expert confirmation of intentional external damage; if any condition is not met there is no cover under Mini Casco. Under Casco, vandalism is covered without these conditions, but the claim does affect the bonus/malus level and claim-free years.

Is uw auto casco verzekerd? Dan heeft u wel recht op een uitkering. De schade is dan wel van invloed op uw bonus/malustrede en uw (zuivere) schadevrije jaren.

[58] Roadside assistance: €125 ↩

Towing and transport of the vehicle and occupants after an accident, fire or other external event is included under both the WA/Mini Casco and Casco tiers (domestic and, subject to conditions, abroad). Assistance for a breakdown caused purely by a mechanical defect abroad is only included under the Casco tier, reimbursed up to €125 per event (parts and garage repair costs excluded); this extension is not available under WA/Mini Casco.

een vergoeding van de noodzakelijke kosten van hulp langs de weg als uw auto door een mechanisch gebrek niet meer rijdt. We vergoeden tot maximaal € 125 per gebeurtenis.

[59] Replacement vehicle: Conditional ↩

A free replacement vehicle (not necessarily equivalent to the insured vehicle) is provided for the duration of repair when the repair is carried out by an AnsvarIdéa-affiliated repairer; fuel costs remain for the policyholder's account. This benefit only applies when using the affiliated repair network, under either tier.

Repareert een reparateur die met ons samenwerkt de schade? Dan krijgt u gratis een vervangende auto voor de duur van de reparatie.

[60] Driver accident: Excluded ↩

Personal injury to the driver of the insured vehicle, and damage to the driver's own belongings, is excluded from the WA and Casco/Mini Casco covers. The driver's own injury can only be covered via the separate, optional Ongevallenverzekering voor Inzittenden (accident cover for occupants) or Schadeverzekering voor Inzittenden (SVI), sold as add-ons to this policy.

Personenschade (lichamelijke of geestelijke schade) van de bestuurder van de verzekerde auto is niet verzekerd.

[61] Own damage: Conditional ↩

Only available under the Casco Allrisk tier: damage to the insured's own car is covered even when caused by the policyholder, e.g. a collision due to inattention or driving error. Under Casco Beperkt, own-fault collision damage is explicitly excluded.

Ja. Met WA + Casco allrisk is schade aan je eigen auto die je zelf hebt veroorzaakt verzekerd. Bijvoorbeeld wanneer je tijdens het parkeren je eigen auto beschadigt, doordat je een paaltje of een andere auto raakt.

[62] Total loss: 110% of insured sum ↩

At technical or economic total loss, a.s.r. pays the determined value of the car (new value, purchase value or daily value depending on the chosen value scheme and vehicle age), minus the value of any remains. New-value cover is capped at 110% of the catalogue value on the policy schedule; standard new-value cover lasts 12 months from first registration (extendable to 24 or 36 months); purchase-value cover for used/imported cars lasts 12 months from purchase (extendable to 24 or 36 months), capped at the ANWB trade-in value plus 20%.

Voor de nieuwwaarderegeling geldt als maximum voor de nieuwwaarde van de auto: 110% van de cataloguswaarde die op je polisblad staat.

[63] Partial loss: Covered ↩

If repair is technically possible and the car is not total loss, a.s.r. reimburses the reasonable repair costs via a selected repair company; using a non-selected repairer reduces the payout by €500.

Wij vergoeden de kosten van reparatie door een geselecteerd herstelbedrijf. Laat je de schade helemaal niet of niet door een geselecteerd herstelbedrijf repareren? Dan verlagen wij de schadevergoeding met € 500.

[64] Theft & robbery: Covered ↩

Covers (attempted) theft, break-in and joyriding of the car, subject to the vehicle being properly secured and, if required by the policy schedule, fitted with a VbV-SCM certified security system; non-compliance voids the claim. Key theft is separately reimbursed up to €500 for replacing keys/locks/immobiliser recoding.

Je bent verzekerd voor schade door (poging tot) diefstal, inbraak of joyrijden.

[65] Glass damage: Covered ↩

Covers sudden breakage of the windscreen, other windows or panoramic/sun roof, and resulting damage from glass shards, via a selected glass-repair company; the deductible does not apply to chip repair but does apply to full replacement, and using a non-selected glass repairer reduces the payout by €500 (unless the optional 'Vrije keuze herstel' cover is added).

Je bent verzekerd voor: - het plotseling en onvoorzien breken van de autoruit of het panorama- of zonnedak van de auto; - schade aan de auto die is veroorzaakt door scherven van de autoruit of van het panorama- of zonnedak.

[66] Natural perils: Covered ↩

Covers damage from storm (wind ≥14 m/s), earthquake, landslide, hail, avalanche, flood, falling rocks, volcanic eruption/geyser and tidal wave, as well as fire, self-ignition, lightning and freezing resulting from a covered event.

Je bent verzekerd voor schade door de volgende natuurrampen: - een aardbeving of -verschuiving - hagel - instorting door een natuurverschijnsel - een lawine - een overstroming - stenen die van een berg of natuurlijke helling vallen - een uitbarsting van een vulkaan of geiser - een vloedgolf

[67] Vandalism: Conditional ↩

Vandalism (intentional damage by a third party) is only covered under the Casco Allrisk tier. Under Casco Beperkt it is explicitly excluded — only riots/civic disturbances are covered, not vandalism.

Je krijgt geen vergoeding voor schade doorvandalisme. Met vandalisme bedoelen wij opzettelijke beschadiging door een derde.

[68] Roadside assistance: Covered ↩

Included as part of the base casco cover: if the car is stolen or so damaged by a covered event that the driver cannot continue, a.s.r.'s 24/7 Alarmcentrale arranges recovery, towing, transport of car/luggage/occupants, and (abroad) a replacement car up to €100/day and €1.250/event. Breakdown assistance (Pechhulp) for mechanical/electronic faults is a separate optional add-on (the car must not be older than 15 years at inception).

Je bent verzekerd voor hulpverlening: - bij diefstal van de auto; - als de auto en/of de aangekoppelde aanhanger zo beschadigd raakt door een verzekerde gebeurtenis dat de bestuurder daarmee niet verder kan rijden.

[69] Replacement vehicle: €1,250 ↩

Abroad, a.s.r. reimburses a replacement car for up to €100/day and €1.250 per event while the car cannot be used due to theft or damage. In the Netherlands, using a.s.r.'s selected repair network entitles the policyholder to a free replacement car during repairs, and up to 5 days free at total loss. The optional Pechhulp cover adds up to 5 days replacement-car cover for domestic breakdowns.

Wij vergoeden de huur van een vervangende auto: - zolang je de auto niet kunt gebruiken en maximaal tot de einddatum van de oorspronkelijke vakantie, en - tot maximaal € 100 per dag en maximaal € 1.250 per gebeurtenis.

[70] Driver accident: €1,000,000 ↩

Not part of casco cover itself; available as a separate optional policy: Schade Inzittenden (actual damages up to €1,000,000 per accident) or Ongevallen Inzittenden (fixed payout per seat of €12,500 death / €30,000 permanent disability, or €25,000 / €60,000).

Deze verzekering vergoedt schade aan inzittenden en hun spullen bij een verkeersongeval met de verzekerde auto, voor maximaal € 1.000.000.

[71] Own damage: Optional ↩

Covers collision-type damage to your own car other than damage covered under Fire/Storm/Nature, Theft or Glass Breakage, including damage you accidentally cause yourself and damage from incorrectly performed maintenance or repair. Settlement is based on the Autowaarde Garantie (ANWB trade value) or, for cars under 1 year old, the last known catalogue price. Wear and tear, ageing, insufficient maintenance and wrong fuel are excluded. Accessories are covered up to €5,000 and replacement transport up to 30 days (14 days if the car is older than 10 years). Deductible is selectable: €0, €100 or €250.

(Aanrijdings)schade anders dan bij de dekkingen Brand, storm en natuur, Diefstal en Ruitbreuk

[72] Total loss: Optional ↩

Under the Fire/Storm/Nature, Theft and Own Damage modules, a total loss is settled via the Autowaarde Garantie: the amount needed to buy a car of the same make, type, model year, specification and mileage, based on the ANWB trade-value list. Cars under 1 year old are always settled at the last known catalogue price instead.

Autowaarde Garantie: Bedrag dat nodig is om na total loss of diefstal een auto te kopen van hetzelfde merk, type, bouwjaar, uitvoering en kilometerstand als de verzekerde auto.

[73] Partial loss: Optional ↩

Repairable damage under the Fire/Storm/Nature, Theft and Own Damage modules is repaired, preferably at an AutoWeek-designated repair shop via the Haal & Breng Service, which includes a 4-year guarantee on repair and parts and free pick-up/drop-off with a replacement car.

Je krijgt 4 jaar garantie op reparatie en onderdelen

[74] Theft & robbery: Optional ↩

Covers (attempted) theft, fraud, embezzlement, joyriding and burglary. Not covered if the car was unlocked or the keys were left inside, or if the car does not meet AutoWeek's stated security requirements. No deductible. Settlement via Autowaarde Garantie (or last known catalogue price for cars under 1 year old); accessories up to €5,000; replacement transport up to 30 days (14 days if the car is older than 10 years) while AutoWeek traces the stolen car for up to 30 days after it is reported.

Als de auto niet op slot stond of de sleutels er in lagen

[75] Glass damage: Optional ↩

Covers replacement or repair (of a chip/star) of windows and the glass roof at an AutoWeek-designated repair shop. Scratches, dirt, and glass damage on a car already deemed total loss are excluded. Deductible: €0 for repair, €75 for replacement at a designated shop.

Vervanging of reparatie (van een ster) bij een door ons aangewezen schadeherstelbedrijf bij schade aan

[76] Natural perils: Optional ↩

Covers damage directly caused by storm (wind force 7 or higher), natural violence, fire, explosions, short-circuit in the car, and birds and stray animals. Freezing/leakage and damage from animal excrement or gnawing are excluded. No deductible. Settlement via Autowaarde Garantie (or last known catalogue price if under 1 year old); accessories up to €5,000; replacement transport up to 30 days (14 days if the car is older than 10 years).

Storm (windkracht 7 of hoger)

[77] Vandalism: Optional ↩

Vandalism is not a separately named peril in the T&C; damage caused by vandalism to your own car is covered as collision-type damage under the 'Schade aan je eigen auto' (Own Damage) module, i.e. damage other than the named Fire/Storm/Nature, Theft or Glass Breakage perils.

[78] Roadside assistance: Covered ↩

Always included regardless of which optional coverages are selected. If you cannot continue driving after fire or an accident, SOS International Alarmcentrale arranges transport of you, your passengers and your car within the Netherlands (0800-29724233); abroad (+31 30 6997917), if the car cannot be repaired within 4 working days, alternative transport is arranged (reimbursed up to €100/day, maximum €1,250 in total), plus transport of the car to the Netherlands (or a payout of its value if too low to justify transport) and repatriation if the driver cannot drive due to illness or accident.

In het buitenland bel je +31 30 6997917. Als je auto door brand of een ongeval niet meer rijdt en niet binnen 4 werkdagen kan worden gerepareerd, helpt de Alarmcentrale met

[79] Replacement vehicle: 30 days ↩

Value expressed in days, not currency. When Fire/Storm/Nature, Theft or Own Damage coverage is selected, a replacement vehicle is provided for up to 30 days during repair, tracing of a stolen car, or until the claim is otherwise settled (e.g. total loss); reduced to a maximum of 14 days if the car is older than 10 years. Separately, the always-included Mobility Guarantee reimburses alternative transport abroad up to €100/day with a €1,250 total cap, and the Haal & Breng Service provides a free replacement car during repair at a designated repair shop regardless of whether the damage itself is covered.

Is je auto ouder dan 10 jaar, dan krijg je maximaal 14 dagen vervangend vervoer

[80] Driver accident: €1,000,000 ↩

Covers injury to occupants and damage to their belongings from a traffic accident, not otherwise reimbursed under the WA liability cover, including when the policyholder is not at fault. Maximum €1,000,000 per event, proportional to the permitted number of occupants; no deductible; payout reduced by 25% if an occupant was not wearing the mandatory seatbelt.

Als een inzittende geen verplichte autogordel droeg, verminderen we de vergoeding met 25%.

[81] Own damage: Covered ↩

All Risk covers almost all damage to your own car, including damage caused by your own fault.

Met All Risk is bijna alle schade aan uw eigen auto verzekerd. Ook als het uw eigen schuld is.

[82] Total loss: €130,000 ↩

If the car is stolen or declared a total loss within 3 years of ownership, the policyholder receives the acquisition value or new value, up to a maximum of €130,000.

Deze waarderegeling geldt voor auto's met een aanschafwaarde of nieuwwaarde tot € 130.000,-.

[83] Partial loss: Covered ↩

Repair costs for damage to the insured car are covered without a fixed cap, subject to the value regulation for cars older than 3 years and the €130,000 ceiling for higher-value cars.

De reparatiekosten Om de schade te repareren.

[84] Theft & robbery: €130,000 ↩

Theft of the vehicle, its parts or keys, and damage from attempted theft or burglary are covered; total loss due to theft is settled up to the acquisition/new value ceiling of €130,000, provided the car meets applicable security requirements.

Let op: voor auto’s met een hogere nieuwwaarde of aanschafwaarde dan € 130.000,- geldt een aparte regeling. Deze regeling staat in artikel 17 Hoe regelen wij schade als de nieuwwaarde of aanschafwaarde hoger was dan € 130.000,-?.

[85] Glass damage: Covered ↩

Windscreen and other glass damage is covered; repair or replacement is reimbursed only when carried out by an affiliated glass repair company, with no deductible for stand-alone glass damage (minimum €150 deductible applies to replacement).

Met All Risk is ruitschade verzekerd. Wij vergoeden de reparatie of vervanging alleen als deze is uitgevoerd door een aangesloten ruitherstelbedrijf.

[86] Natural perils: Covered ↩

Damage from fire, explosion, lightning, short-circuit, storm, hail, earthquake, volcanic eruption, landslide and flooding is covered, with no impact on claim-free years.

Brand Schade door brand. Ontploffing Schade door ontploffing. Bliksem Schade door bliksem. Kortsluiting Schade door kortsluiting.

[87] Vandalism: Covered ↩

Damage from collisions, the car overturning or leaving the road, vandalism or riots, and sudden external causes is covered.

Schade door aanrijding of botsing Bijvoorbeeld als uw auto tegen een ander voertuig botst. Schade doordat de auto omvalt, van de weg raakt of in het water komt... Schade door vandalisme of relletjes Bijvoorbeeld krassen door vandalisme of relletjes.

[88] Roadside assistance: Optional ↩

Optional roadside assistance modules cover emergency repair, towing, replacement transport and related costs in the Netherlands and/or abroad and can be added to the All Risk policy.

Pechhulp bij pech Als het verzekerde motorrijtuig niet meer veilig kan rijden.

[89] Replacement vehicle: Covered ↩

Appropriate replacement transport is provided while the vehicle is being repaired within the Centraal Beheer repair network, for a maximum of 30 calendar days; not available with basic WA-only coverage.

Passend vervangend vervoer bij reparatie door een garage uit ons netwerk

[90] Driver accident: €1,000,000 ↩

Optional passenger accident cover for medical costs, permanent disability, death and lost income after a car accident, insured up to €1,000,000; damage to baggage or belongings in the car is insured up to €5,000.

Deze kosten zijn verzekerd tot € 1.000.000,-. Schade aan bagage, kleding of spullen in of op de auto is verzekerd tot € 5.000,-.

[91] Own damage: Covered ↩

Covers damage to your own car from almost any conceivable cause, including collision, own fault, vandalism, external violence, fire, storm and natural perils; settlement is based on repair cost or actual/day value.

Bij Volledig casco heeft u dezelfde dekking als bij Beperkt casco met een aantal belangrijke uitbreidingen. Met Volledig casco verzekert u uw auto tegen bijna alle denkbare risico‘s.

[92] Total loss: 110% of insured sum ↩

Pays the day value (dagwaarde) minus salvage value; if the new-car-value scheme applies (new car, first owner, within 3 years of registration, catalogue price up to €70,000), payout is based on new value up to a maximum of 110% of the catalogue value on the policy schedule, with no deduction if the loss occurs within 36 months of first registration.

Op de nieuwwaarde wordt geen enkele aftrek toegepast, als de schade binnen 36 maanden na de afgifte van het kentekenbewijs is ontstaan.

[93] Partial loss: Covered ↩

Necessary repair costs are reimbursed up to the difference between the car's day value and the value of the remains; if repair costs exceed this difference, the car is treated as total loss.

Bij beschadiging vergoeden wij de noodzakelijke herstelkosten tot maximaal het verschil tussen de dagwaarde van de auto en/of accessoires en de waarde van de restanten. Als de herstelkosten hoger zijn, is er sprake van total loss.

[94] Theft & robbery: Covered ↩

Covers loss of the car or parts through theft, joyriding or embezzlement (loss recognized after 30 days missing), plus damage from (attempted) theft, joyriding or break-in; accessories up to €1,250, audio/av equipment up to €500, loose accessories up to €125, key/lock replacement up to €500, and €35/day for up to 30 days while the car is missing.

Wij vergoeden de schade die: – bestaat uit het verlies van uw auto door diefstal, joyriding of verduistering. Er is sprake van verlies als de auto meer dan 30 dagen vermist blijft;

[95] Glass damage: Covered ↩

Covers damage limited to one or more windows and damage from broken glass shards; excludes scratches/dirt, glass roofs, seam rust, delamination, shifting cargo, and glass damage from a collision.

Wij vergoeden de schade aan uw auto, die: – alleen bestaat uit schade aan één of meer ruiten; – alleen bestaat uit schade door scherven van die ruit(en).

[96] Natural perils: Covered ↩

Covers damage from falling objects due to storm, the car being blown over, natural violence (flood, hail, earthquake etc.), fire/explosion/self-ignition/lightning, and collision with wild animals, birds or loose animals.

het vallen van een voorwerp op uw auto door storm; – het omwaaien van uw auto door storm; – natuurgeweld; – brand, explosie, zelfontbranding of blikseminslag.

[97] Vandalism: Covered ↩

Vandalism and any other external violence are covered under Volledig casco (2.2.3b); this is explicitly excluded from the Beperkt casco tier.

b. botsing, aanrijding e.d. – een botsing, aanrijding, omslaan, slippen, van de weg of te water raken; – vandalisme; – ieder ander van buiten komend geweld;

[98] Roadside assistance: €125 ↩

In addition to WA accident assistance, Volledig casco covers necessary roadside help abroad up to €125 per event for mechanical breakdown, plus costs of ordering/shipping spare parts (parts themselves excluded); prepayment can be requested above €750.

noodzakelijke kosten van hulp langs de weg tot € 125,- per gebeurtenis. De kosten van onderdelen en reparatie vallen hier niet onder... Bij bedragen boven € 750,- kunnen wij u vragen om vooraf te betalen.

[99] Replacement vehicle: Conditional ↩

A comparable replacement car (max. mid-range) is provided while your car is repaired, but only if repaired at a selected repair shop from the insurer's network; fuel costs are not reimbursed.

Verder heeft u recht op een vervangende auto tijdens de reparatie van uw eigen auto als de auto gerepareerd wordt bij een geselecteerd herstelbedrijf. De vervangende auto is een vergelijkbare auto, maximaal een middenklasse personenauto. De brandstof vergoeden wij niet.

[100] Driver accident: Optional ↩

Available as a separate additional cover (Ongevallenverzekering inzittenden) paying out on death or permanent disability of occupants due to an accident; the insured amounts are stated on the policy schedule and are not part of the core Volledig casco cover.

Met de Ongevallenverzekering inzittenden verzekert u de inzittenden van uw auto. Zij of hun nabestaanden ontvangen een uitkering bij blijvende invaliditeit of overlijden.

[101] Own damage: 110% of insured sum ↩

Covers damage to your own car caused by collision, skidding, overturning, going off-road or into water, including damage caused by an inherent defect of the vehicle itself. Vehicle value is set using the new-value or purchase-value scale, capped at 110% of the catalogue value stated on the policy schedule.

Je bent verzekerd voor schade door een aanrijding, een botsing, in het water raken, omslaan, slippen of van de wegraken. Ook als dit is ontstaan door een eigen gebrek van de auto.

[102] Total loss: 110% of insured sum ↩

If the car is a technical or economic total loss, you receive the assessed value of the car (up to 110% of the catalogue value under the new-value scheme, or day value under the standard/purchase-value scheme) minus the value of the wreck.

Bij een technisch of economisch total loss vergoeden wij de waarde van de auto zoals wij die bepaald hebben min de waarde van de restanten.

[103] Partial loss: Covered ↩

If the car can be repaired, we pay the repair costs at a selected repair shop. Using a non-selected repair shop, or opting for a cash payout instead of repair, reduces the payout by €500 (exceptions apply for emergency repairs abroad).

Wij vergoeden de kosten van reparatie door een geselecteerd herstelbedrijf. Laat je de schade helemaal niet of niet door een geselecteerd herstelbedrijf repareren? Dan verlagen wij de schadevergoeding met € 500.

[104] Theft & robbery: 110% of insured sum ↩

Covers (attempted) theft, burglary/break-in and joyriding of the car. Cover requires the vehicle to meet the security-system class stated on the policy schedule; non-compliance voids theft/break-in claims.

Je bent verzekerd voor schade door (poging tot) diefstal, inbraak of joyrijden.

[105] Glass damage: Covered ↩

Covers sudden, unforeseen breakage of the windscreen, other windows or the panoramic/sunroof, and resulting damage from glass shards. No deductible applies for repair; a deductible applies for replacement if one is stated on the policy. Using a non-selected glass repair shop reduces the payout by €500.

Wij vergoeden de kosten van het repareren of het vervangen van de autoruit of het panorama- of zonnedak door een geselecteerd ruitschadeherstelbedrijf. Laat je de reparatie of vervanging niet door een geselecteerd ruitschadeherstelbedrijf uitvoeren? Dan verlagen wij de schadevergoeding met € 500.

[106] Natural perils: Covered ↩

Covers damage from hail, flooding, landslide, volcanic eruption, tidal wave, and storm (wind speed of 14 m/s or more), including objects blown onto the car or the car overturning in wind.

Je bent verzekerd voor schade door de volgende natuurrampen: hagel, instorting door een natuurverschijnsel, een lawine, een overstroming, stenen die van een berg of natuurlijke helling vallen, een uitbarsting van een vulkaan of geiser, een vloedgolf

[107] Vandalism: Covered ↩

Covers deliberate damage to the car caused by a third party (vandalism).

Je bent verzekerd voor schade door vandalisme. Met vandalisme bedoelen wij opzettelijke beschadiging door een derde.

[108] Roadside assistance: Optional ↩

Basic emergency assistance for accident or theft (towing, transport) is included as standard (Hulpverlening). Full breakdown assistance for a mechanical or electronic fault (Pechhulp) is an optional add-on that must be selected and shown on the policy schedule; assistance must be arranged via the Alarmcentrale.

Je bent verzekerd voor hulpverlening: - bij diefstal van de auto; - als de auto en/of de aangekoppelde aanhanger zo beschadigd raakt door een verzekerde gebeurtenis dat de bestuurder daarmee niet verder kan rijden.

[109] Replacement vehicle: €1,250 ↩

In the Netherlands you get a free replacement car for up to 5 days after an accident/theft-related breakdown (Hulpverlening), or for the full repair period (max 5 days at total loss) via the Haal- en brengservice when using a selected repair shop. Abroad, rental cost is reimbursed up to €100 per day with a maximum of €1,250 per event.

Wij vergoeden de huur van een vervangende auto: - zolang je de auto niet kunt gebruiken en maximaal tot de einddatum van de oorspronkelijke vakantie, en - tot maximaal € 100 per dag en maximaal € 1.250 per gebeurtenis.

[110] Driver accident: See details ↩

Not part of the Casco Allrisk product; occupant accident/injury cover is sold as a separate additional policy alongside the car insurance.

[111] Own damage: Conditional ↩

Damage to your own car is covered, including damage you caused yourself (e.g. collision, skidding), but only under the WA + Volledig Casco tier; the WA + Beperkt Casco tier only covers a limited list of external causes.

Schade aan uw eigen auto door andere gebeurtenissen dan hierboven al genoemd is verzekerd. Ook als het uw eigen schuld is, bijvoorbeeld bij een aanrijding.

[112] Total loss: Covered ↩

In case of total loss, the vehicle is compensated at new value, purchase value or daily value depending on the age of the vehicle and the circumstances; the new-value/purchase-value scheme applies under the Volledig Casco tier.

Bij diefstal of total loss van de auto krijgt u de nieuwwaarde, de aanschafwaarde of de dagwaarde vergoed. Dit is onder andere afhankelijk van de leeftijd van uw voertuig.

[113] Partial loss: Covered ↩

Repair costs for covered damage to the vehicle are reimbursed; the applicable deductible depends on the chosen tier and repair shop.

Bij reparatie door een geselecteerd herstelbedrijf is het eigen risico € 0 (bij WA+ beperkt casco) en € 150 (bij WA+ volledig casco). Bij reparatie door een niet-geselecteerd herstelbedrijf is het eigen risico € 500.

[114] Theft & robbery: Covered ↩

Damage to your own car is covered in a number of cases, for example damage caused by theft, along with fire, glass breakage and hail.

Maar in sommige gevallen is ook schade aan uw eigen auto gedekt. Bijvoorbeeld schade door brand, diefstal, ruitbreuk en hagel.

[115] Glass damage: Covered ↩

Glass breakage repair/replacement is covered under both tiers; repairing glass via the Glasgarant network is free of a deductible, replacement carries a deductible.

Vergoeding van de reparatiekosten bij een herstelbedrijf naar keuze. Wij vergoeden schade aan een of meer ruiten van uw auto.

[116] Natural perils: Covered ↩

Damage to your own car caused by hail or fire is covered, alongside theft and glass breakage.

Schade door bijvoorbeeld brand, hagel, bliksem, overstroming of aanrijding met een dier is verzekerd.

[117] Vandalism: Conditional ↩

Vandalism damage to your own car is covered only under the WA + Volledig Casco tier, which insures damage to your own car even when self-caused or caused by third parties acting maliciously; the Beperkt Casco tier only lists a limited number of specific causes and does not explicitly include vandalism.

Schade aan uw eigen auto door andere gebeurtenissen dan hierboven al genoemd is verzekerd. Ook als het uw eigen schuld is, bijvoorbeeld bij een aanrijding.

[118] Roadside assistance: Covered ↩

If your car cannot be driven due to an accident, fire or other external violence (not mechanical breakdown), Goudse's Alarmcentrale Verkeer arranges transport of the driver and passengers to an address of their choice in the Netherlands, and transport of the car/trailer to a garage of choice.

Bij hulpverlening moet u denken aan het vervoer van de bestuurder en alle passagiers naar een, door u te bepalen, adres in Nederland. Tevens regelen we de berging en het vervoer van uw beschadigde auto en/of aanhangwagen.

[119] Replacement vehicle: Covered ↩

A replacement vehicle is made available when repairs are carried out at a Goudse-selected repair shop; the deductible for repair at a selected shop is €0 for WA + Beperkt Casco and €150 for WA + Volledig Casco, versus €500 at a non-selected repair shop.

geen eigen risico bij herstel door Schadegarant bij WA beperkt casco; slechts € 150 eigen risico bij WA volledig casco.

[120] Driver accident: €15,000 – €45,000 ↩

Optional add-ons: Ongevallen Inzittendenverzekering pays €15,000 per occupant on death and up to €45,000 per occupant on permanent disability; Verkeersschadeverzekering covers damage to occupants and their belongings up to €1,000,000.

De uitkering bij overlijden bedraagt € 15.000,- per inzittende. De maximale uitkering bij blijvende invaliditeit bedraagt € 45.000,- per inzittende.

[121] Own damage: 100% of insured sum ↩

Covers damage to your own vehicle caused by collision, hitting/being hit, rolling over, running off the road or into water, vandalism, looting/riots, or any other external peril - including when the policyholder caused the damage themselves; this is on top of all WA and WA Plus perils.

[122] Total loss: 100% of insured sum ↩

If repair costs exceed the vehicle's current value minus residual value, the vehicle is total loss; settlement equals that difference, or if higher, the ANWB trade-in 'replacement value' plus 10% just before the event. New/near-new vehicles may qualify for the new-value or purchase-value scheme (standard 12 months, extendable to 36 months), which pays the highest applicable value.

[123] Partial loss: Covered ↩

If the vehicle can be repaired, the claim amount equals the repair costs, unless those costs exceed the total-loss threshold.

[124] Theft & robbery: Covered ↩

Covers loss of or damage to the vehicle from theft, burglary, joyriding, embezzlement of the whole vehicle, or fraud by a third party, subject to reasonable care having been taken. Settlement equals current value or, if higher, ANWB replacement value +10%. During a 20-calendar-day search period the policyholder may choose a €20/day allowance (max 20 days) or a replacement vehicle; lock/key replacement after key theft carries no deductible.

[125] Glass damage: Covered ↩

Covers breakage or cracking of the front, rear or side windows and sunroof/panoramic roof glass, plus resulting damage from glass shards. Repair via the Glasgarant network is free of deductible; repair outside the network costs €150 deductible; replacement outside the network adds an extra €400 deductible on top of any policy deductible.

[126] Natural perils: Covered ↩

Covers damage from fire (including self-ignition), explosion, direct lightning strike or induction, short circuit, collision with wild/loose animals (including consequential damage), hail, aircraft crash or falling parts, natural disasters (flood, earthquake, volcanic eruption, avalanche), storm (wind force >=7 / 14 m/s), and damage during transport of the vehicle by boat, train or plane.

[127] Vandalism: Covered ↩

Covers damage to the vehicle caused by vandalism, looting or riots, and any other external peril, including when self-caused.

[128] Roadside assistance: Covered ↩

Standard assistance (all tiers) via the 24/7 ING Alarmcentrale covers help after an accident, fire, theft or wrong fuel in NL and abroad (towing, transport of occupants, hotel up to €80/person max €400 total, 2nd class train). Assistance for mechanical/electronic breakdowns not related to an accident requires the optional Pechhulp Nederland module (max 4 breakdown cases/year, replacement car for max 2) or Pechhulp Europa module (max 7 cases/year, replacement car up to 21 days for max 2 cases).

[129] Replacement vehicle: Conditional ↩

A replacement vehicle is provided for up to 5 calendar days if the vehicle is total loss and repaired via the Schadegarant network; during the 20-day theft search period a replacement vehicle can be chosen instead of the daily allowance; the optional Pechhulp Nederland module provides a replacement vehicle for up to 2 breakdown cases/year, and Pechhulp Europa for up to 2 cases/year for up to 21 days (fuel costs excluded). The insurer determines the make/model provided.

[130] Driver accident: Excluded ↩

Damage to or injury of the driver of the insured vehicle is never covered under WA All risk; driver and occupant injury can only be insured via the separate optional Schade Inzittenden (Occupant Damage) module.

Schade aan de bestuurder van je auto valt nooit onder de dekking van de Autoverzekering WA All risk. Je kan dit wel verzekeren met de module Schade Inzittenden.

[131] Own damage: Conditional ↩

Not covered under Beperkt Casco. Under Beperkt Casco EXTRA, 50% of damage caused by collision, parking damage, own fault, vandalism or riots is covered. Under Allrisk, 100% of such damage is covered, including damage the policyholder caused themselves.

Is de schade aan uw eigen Auto ontstaan door 1 van de oorzaken hieronder? Dan verzekert InShared de schade. Ook als uw Auto total loss is.

[132] Total loss: Covered ↩

Under Beperkt Casco and Beperkt Casco EXTRA, cars under 2 years old (as 1st owner) are paid at new value, and used cars at purchase price for up to 2 years after purchase; Beperkt Casco EXTRA pays only 50% of this amount. Under Allrisk, the periods are 3 years for new value / purchase price, paid at 100%. In all other cases the replacement value plus 10% applies, capped at the purchase price. Accessories are covered up to €5,000.

Dan vergoeden wij u maximaal 50% van de schade op basis van: - De Nieuwwaarde bij auto’s jonger dan 2 jaar. Dit als u de 1e eigenaar bent

[133] Partial loss: Covered ↩

Beperkt Casco covers 100% of repair costs for named perils (glass, fire, lightning, storm, hail/flood, animal collision, theft/joyriding/burglary). Beperkt Casco EXTRA additionally covers 50% of repair costs for collision, parking damage, own fault, vandalism or riots; Allrisk covers 100% of these same causes.

En als EXTRA verzekeren wij 50% van de schade aan uw Auto als deze is veroorzaakt door een aantal extra oorzaken, zoals aanrijdingen of vandalisme.

[134] Theft & robbery: Covered ↩

Loss, embezzlement, theft, joyriding and burglary (or an attempt) are fully covered under Beperkt Casco, Beperkt Casco EXTRA and Allrisk, including theft of the car keys. Accessories fitted to the car are covered up to a maximum of €5,000, including an EV/hybrid charging cable. No deductible applies.

Door vermissing, verduistering, diefstal, joyriding en inbraak of een poging tot diefstal, joyriding of inbraak Door diefstal van autosleutels

[135] Glass damage: Covered ↩

Breakage of windows is fully covered under Beperkt Casco, Beperkt Casco EXTRA and Allrisk, including damage to luggage caused by broken glass. There is no deductible for glass repair at an InShared-designated glass repair shop, and €135 if repaired elsewhere; for glass replacement the chosen deductible (€0/€135/€300) applies.

Aan Ruiten door breken of barsten. Ook is verzekerd schade aan bagage in de auto door glasscherven van een gebroken Ruit.

[136] Natural perils: Covered ↩

Damage from fire, explosion, lightning/short-circuit, hail, avalanches, floods and storm (wind force 7+) is fully covered under Beperkt Casco, Beperkt Casco EXTRA and Allrisk.

Door hagel, natuurgeweld zoals lawines en overstroming Door storm

[137] Vandalism: Conditional ↩

Not covered under Beperkt Casco. Beperkt Casco EXTRA covers 50% of damage caused by vandalism or riots; Allrisk covers 100%.

Door vandalisme of relletjes

[138] Roadside assistance: Covered ↩

Transport of the damaged car, taxi/hotel costs and, abroad, roadside emergency repair up to €300 and transport of car and passengers are covered regardless of casco tier when the car cannot be driven due to accident, fire, theft or a similar external event. This is separate from the optional Pechhulp add-on, which additionally covers mechanical breakdown, a flat tyre, an empty battery, lost keys or wrong/no fuel, available for the Netherlands or extended to Europe, with 24/7 support via Eurocross.

De kosten van een noodreparatie langs de weg tot € 300

[139] Replacement vehicle: Conditional ↩

A free replacement vehicle is provided during repair at an InShared-designated repair shop. In case of total loss, a replacement vehicle is provided for up to 14 days; in case of theft or disappearance, up to 30 days (or a daily allowance of up to €35/day as an alternative, not combinable).

Is uw Auto total loss? Dan krijgt u maximaal 14 dagen een Vervangende auto Wordt uw Auto gerepareerd door een InShared herstelbedrijf? Dan krijgt u een Vervangende auto tijdens de reparatie

[140] Driver accident: €1,500,000 ↩

An optional add-on covering personal injury and damage to belongings of the driver and passengers after a traffic accident, up to a maximum of €1,500,000 per claim, regardless of who caused the accident. Compensation is reduced by 25% for an occupant not wearing a seatbelt.

Wij vergoeden maximaal € 1.500.000 per schadegeval.

[141] Own damage: Covered ↩

Covered under Volledig Casco: nearly all damage to your own car, including damage caused by your own fault (collision, skidding, off-road, other external causes). Under Beperkt Casco this type of damage is explicitly excluded — only named perils (fire, theft, glass, break-in, hail, joyriding, lightning, short circuit) are covered; for collision-type own damage you need Volledig Casco.

Met Volledig Casco is bijna alle schade aan uw eigen auto verzekerd. Ook als het uw eigen schuld is.

[142] Total loss: €130,000 ↩

Volledig Casco covers total loss from any covered cause, including own fault. Beperkt Casco covers total loss only if caused by a covered peril (e.g. fire or flood), not by collision. Optionally, the 'aanschafwaarderegeling' (purchase/new-value settlement, selectable for 1 or 3 years) pays the purchase price (2nd-hand) or new value (1st owner) on total loss or theft, for cars valued up to €130,000; above that a separate arrangement applies, and without proof of purchase value only the market value (dagwaarde) is paid.

De aanschafwaarderegeling geldt voor auto's met een aanschafwaarde of nieuwwaarde tot € 130.000,-. Voor auto’s met een hogere aanschafwaarde of nieuwwaarde dan € 130.000,- geldt een aparte regeling.

[143] Partial loss: Covered ↩

Volledig Casco covers partial damage to your own car from virtually any cause, including own fault. Beperkt Casco only covers partial damage from named perils (fire, explosion, lightning, short circuit, break-in, theft, hail, joyriding, and collision with an unleashed animal while driving); damage from collision, skidding or leaving the road is not covered under Beperkt Casco.

Met Beperkt Casco verzekert u uw auto tegen een aantal met name in de voorwaarden genoemde oorzaken zoals, brand, ontploffing, bliksem, kortsluiting, inbraak, diefstal, hagel en joyriding. Schade door een aanrijding, van de weg raken, slippen of andere van buiten komende oorzaken zijn niet verzekerd.

[144] Theft & robbery: Covered ↩

Theft of the car is covered under both Beperkt Casco and Volledig Casco. Security requirements apply for cars with a catalogue value over €75,000; if the car does not meet these requirements and is stolen, the theft damage is not covered.

Heeft uw auto een cataloguswaarde van meer dan € 75.000,- en is uw auto niet ouder dan jaar? Dan gelden er beveiligingseisen. Wordt de auto gestolen en voldoet de auto niet aan deze beveiligingseisen? Dan is de diefstalschade niet verzekerd.

[145] Glass damage: Covered ↩

Glass damage is covered under both Beperkt Casco and Volledig Casco. With the connected repair network, cover applies only if a connected glass-repair company does the work; with free choice of repairer, cover applies if the work is done by a BOVAG-affiliated shop. The chosen deductible applies to glass replacement, with a minimum of €150; glass repair (not replacement) is not subject to any deductible.

Kiest u voor herstel bij een aangesloten herstelbedrijf? Dan vergoeden wij de reparatie of vervanging alleen als deze is uitgevoerd door een aangesloten ruitherstelbedrijf. Kiest u voor vrije keuze herstelbedrijf, dan vergoeden wij de ruitschade als de reparatie is uitgevoerd door een BOVAG aangesloten herstelbedrijf.

[146] Natural perils: Covered ↩

Damage from fire, storm, hail, lightning or flood is covered under both Beperkt Casco and Volledig Casco. Beperkt Casco also covers collision with an unleashed animal while driving.

Met Beperkt Casco is schade door bijvoorbeeld brand, storm, hagel, bliksem of overstroming verzekerd. Ook een botsing met niet aangelijnde dieren is verzekerd, als u onderweg bent.

[147] Vandalism: Covered ↩

Vandalism damage to your own car is covered under Volledig Casco only; it is not covered under Beperkt Casco, which only covers named perils (fire, theft, glass, break-in, hail, joyriding, lightning, short circuit).

Met Volledig Casco is bijna alle schade aan uw eigen auto verzekerd. Ook als het uw eigen schuld is.

[148] Roadside assistance: Optional ↩

Roadside assistance for breakdowns (Pechhulp Nederland and/or Pechhulp Buitenland) is an optional add-on, separate from the casco cover itself. It includes emergency repair (labour only), towing/recovery, transport of the vehicle and occupants, and a replacement vehicle for a maximum of 5 working days at set daily rates (e.g. €150/day for a car, €225/day for a camper). Separately, recovery and transport of the damaged car and its occupants after an accident to an address in the Netherlands is included as standard in the WA/casco base cover, independent of the Pechhulp add-on.

Noodreparatie van het motorrijtuig • Als de hulporganisatie het motorrijtuig repareert: – langs de weg of – op een parkeerplaats of – op een camping. • Onze alarmcentrale kiest de hulporganisatie. • Wij betalen alleen het arbeidsloon en geen onderdelen. […] Vervangend vervoer of huur van een ander motorrijtuig • Alleen als reparatie door de hulporganisatie niet mogelijk is. • Maximaal 5 werkdagen. • Maximaal de volgende bedragen per dag: – Bromfiets, trailer of aanhangwagen: € 25,-. – Motor, toercaravan of vouwwagen: € 75,-. – Auto: € 150,-. – Camper: € 225,-. […] Vervoer van het motorrijtuig naar een adres in Nederland

[149] Replacement vehicle: 30 days ↩

When repairs are carried out by a connected repair shop, replacement transport is covered for a maximum of 30 calendar days. This benefit only applies if the network repairer is used; free choice of repair shop does not include this benefit. (Value expressed in calendar days, not currency.)

De voordelen hiervan zijn: 4 jaar garantie op reparaties, vervangend vervoer tijdens de reparatie tot maximaal 30 kalenderdagen en wij betalen de schade rechtstreeks aan de garage.

[150] Driver accident: €1,000,000 ↩

Optional add-on covering medical costs, care costs, pain-and-suffering compensation (smartengeld) and temporary loss of income for the driver and passengers after a traffic accident with the insured car, up to €1,000,000 per event for personal injury/death. Damage to luggage, clothing or belongings in or on the car is covered up to €5,000 per event (accessories of the car excluded). Payment is reduced to a maximum of 75% if a seatbelt was not worn or not worn correctly.

We vergoeden per gebeurtenis maximaal € 1.000.000,- voor schade aan personen. We vergoeden per gebeurtenis maximaal € 5.000,- voor schade aan spullen. Accessoires van het motorrijtuig vallen hier niet onder.

[151] Own damage: Covered ↩

Under the Volledig Casco module, damage to your own car is covered, including a traffic accident even if it is your own fault or caused by a defect in the car, and any other sudden event originating from outside the car. The insured sum itself is stated on the policy schedule, not a fixed figure in the T&Cs.

Als op het polisblad staat dat u een volledige cascoverzekering heeft, dan verzekeren wij schade aan uw auto zoals in artikel 2.15 staat. Daarnaast verzekeren wij ook schade aan uw auto, inclusief ruitschade, door de volgende gebeurtenissen: a. Een verkeersongeluk, ook als deze uw eigen schuld is of komt door een eigen gebrek.

[152] Total loss: Covered ↩

By default, total loss is valued at the ANWB trade-in price list plus 10% minus residual value. Under conditions, a new-value scheme applies for 36 months (first owner, car bought new, original catalogue value up to €75,000 incl. VAT, damage within 36 months of first registration) paying current new value; alternatively a purchase-value scheme (aanschafwaarderegeling) applies for 36 months from purchase (car up to 60 months old at policy start, catalogue value up to €75,000 incl. VAT) also available with Beperkt Casco.

Bij totaal verlies stellen we de waarde van uw auto vlak voor de schade vast volgens de ANWB koerslijst plus 10% min de restwaarde.

[153] Partial loss: Covered ↩

Repair costs are reimbursed for covered damage that can be repaired, up to the insured sum on the policy schedule; the payout may be reduced if wear-sensitive parts are replaced with new ones that improve the car's usability (e.g. tyres, battery, exhaust).

We vergoeden de reparatiekosten als uw auto kan worden hersteld, behalve bij totaal verlies. Wij vergoeden niet meer dan het verzekerde bedrag. Soms verlagen wij de vergoeding als slijtagegevoelige onderdelen worden vervangen door nieuwe onderdelen waardoor de bruikbaarheid van de auto verbetert.

[154] Theft & robbery: Covered ↩

Theft, embezzlement, joyriding and break-in are covered, provided the car is fitted with the required anti-theft security system and was properly locked. If the car is missing due to theft, joyriding or embezzlement, Klaverblad additionally pays €25 per day up to a maximum of €750 for the period the car was missing.

Voor elke dag dat uw auto weg was door diefstal, joyriding, verduistering vergoeden wij € 25,- tot een maximum van € 750,-.

[155] Glass damage: Covered ↩

Breakage or cracking of windows/windscreens (as long as there is no other damage to the car) and damage caused by shards of a broken window are covered, in both Beperkt Casco and Volledig Casco.

g. Schade aan de ruiten van uw auto en ook het breken of barsten van de ruiten zolang er geen andere schade aan uw auto is h. Schade aan uw auto door de glasscherven van een gebroken ruit*

[156] Natural perils: Covered ↩

Storm, hail and natural disaster damage (flood, earthquake, volcanic eruption, avalanche) are covered, as well as objects blown/falling onto the car in a storm. A traffic accident resulting from weather or a natural disaster is not covered under this specific peril.

Het stormt*, hagelt of er is een natuurramp zoals een overstroming, aardbeving, vulkanische uitbarsting of een lawine. Als u door het weer of een natuurramp een verkeersongeluk krijgt, dan vergoeden wij die schade aan uw auto niet.

[157] Vandalism: Covered ↩

Vandalism is not named as a separate peril in the T&Cs, but is covered under Volledig Casco's general catch-all for 'all other events that happen suddenly and originate from outside the car'.

b. Alle andere gebeurtenissen die plotseling plaatsvinden en van buiten uw auto komen.

[158] Roadside assistance: €150 ↩

After a covered accident, in the Netherlands the car and occupants are transported to a repair shop/chosen address; abroad the car is taken to the nearest repair shop with storage costs covered, and if repair takes more than 4 working days the car is transported to the Netherlands with 2nd-class train and taxi costs reimbursed for occupants. Volledig Casco additionally covers breakdown (not just accident) assistance abroad, with roadside help costs reimbursed up to €150 and the cost of shipping (but not the cost of) replacement parts.

Wij vergoeden de kosten om u hulp langs de weg te bieden tot maximaal € 150,-.

[159] Replacement vehicle: Conditional ↩

Replacement transport is provided during the repair when the damage is repaired by a Schadegarant-affiliated repairer.

Vervangend vervoer tijdens de herstelwerkzaamheden.

[160] Driver accident: Excluded ↩

Injury to the driver of your own car is not covered under the Casco or WA modules; it can be insured separately via the optional Schadeverzekering Inzittenden (occupant accident) module.

f. Personenschade van de bestuurder van uw auto.

[161] Own damage: Conditional ↩

Under 'beperkt casco' only named perils are covered (fire, theft, storm/hail/natural violence, animal collision, rodent damage, glass breakage); under 'allrisk' (volledig casco) own-fault collision/impact damage and vandalism are also covered. Reimbursement is up to the insured amount stated on the policy schedule

[162] Total loss: Covered ↩

In case of total loss or unrecovered theft, Mintley reimburses the new value if the vehicle is not older than 3 years, the purchase value if bought within 3 years, or otherwise the market value (BOVAG/ANWB price list +10%) minus residual value

[163] Partial loss: Conditional ↩

Repair-related costs are reimbursed up to the replacement value of the vehicle; scope depends on tier — beperkt casco covers only named perils, allrisk also covers collision/impact damage caused by the policyholder or others

[164] Theft & robbery: Covered ↩

Loss, destruction or damage as a result of theft, attempted theft or robbery is covered under both beperkt casco and allrisk, excluding embezzlement/fraud and theft by household members

[165] Glass damage: Covered ↩

Damage to vehicle glazing (star chips, cracks, breakage) including front, rear and side windows is covered under beperkt casco and allrisk; glass of measuring/assistance/camera systems, displays and light sources is excluded

[166] Natural perils: Covered ↩

Covers damage from storm (wind force 7+), hail, flooding, avalanches, snow pressure/slides, mudflow, landslide, falling stones and sinkholes, under both beperkt casco and allrisk

[167] Vandalism: Conditional ↩

Wilful and deliberate damage caused by unauthorised persons is only covered under the allrisk (volledig casco) tier, not under beperkt casco

[168] Roadside assistance: Covered ↩

If the vehicle cannot be driven after an accident, transport to a chosen address or nearest garage, taxi transport for occupants/luggage, and accommodation costs up to the policy schedule maximum are covered

[169] Replacement vehicle: Covered ↩

Free replacement transport for up to 30 days is provided when the car is repaired at one of the roughly 650 connected repair facilities; for total loss or theft a fixed compensation as stated on the policy schedule applies

Is reparatie van je schade verzekerd? Ga naar een van de 650 aangesloten garages en je krijgt gratis een vervangende auto.

[170] Driver accident: €1,000,000 ↩

Optional add-on that reimburses damage suffered by the driver and other occupants in an accident, up to €1,000,000 per event for personal injury.

Kies je voor deze dekking, dan vergoeden we ook schade door een ongeval aan de bestuurder en andere inzittenden. De maximale vergoeding voor letselschade is € 1.000.000 per gebeurtenis.

[171] Own damage: Covered ↩

In addition to the mandatory third-party liability cover, Volledig Casco insures damage to your own vehicle, including self-inflicted damage such as collisions, in contrast to Beperkt Casco.

Je bent verzekerd voor de schade aan je eigen auto. Ook als het je eigen schuld is.

[172] Total loss: Covered ↩

On theft or total loss you receive the new value, purchase value or current market value minus the residual value, depending on the chosen cover and the car's age. New-value/purchase-value cover applies for 1 year as standard and can be extended to 3 years.

Bij diefstal of total loss van de auto krijg je de nieuwwaarde, aanschafwaarde of huidige marktwaarde minus de restwaarde van de auto. Dit is afhankelijk van de gekozen dekking en de ouderdom van de auto.

[173] Partial loss: Covered ↩

Repair costs for partial damage to your own car are covered, with free choice of repairer (your own garage/dealer or an affiliated repair shop).

Bij alle schade heb je vrije keuze wie de reparatie uitvoert. Je mag een eigen garage of dealer kiezen of je maakt gebruik van onze aangesloten herstelbedrijven.

[174] Theft & robbery: Covered ↩

Damage caused by (attempted) theft, burglary or joyriding is covered.

Schade door (een poging) tot diefstal, inbraak of joyriding is verzekerd.

[175] Glass damage: Covered ↩

Glass repair or replacement is covered. No deductible applies if repaired at an affiliated repair shop; using another repair shop results in a €150 deductible for repair and €500 for replacement.

Kies je voor een ander herstelbedrijf? Dan heb je een eigen risico van € 150 bij ruitreparatie en € 500 bij ruitvervanging.

[176] Natural perils: Covered ↩

Damage caused by, for example, fire, hail, lightning, flooding or a collision with an animal is covered.

Schade door bijvoorbeeld brand, hagel, bliksem, overstroming of aanrijding met een dier is verzekerd.

[177] Vandalism: Covered ↩

Damage to your own car, including damage caused by vandalism, is covered under the general own-damage cover, which applies even when you are at fault.

Je bent verzekerd voor de schade aan je eigen auto. Ook als het je eigen schuld is.

[178] Roadside assistance: Covered ↩

Post-accident assistance (Hulpdienst) is included as standard: if you cannot continue driving after a traffic accident, fire, theft or another sudden external cause, we arrange recovery, towing or transport of the car, driver, passengers and luggage to an address in the Netherlands; different terms apply for assistance abroad. Breakdown assistance (pechhulp) for mechanical breakdowns is a separate, optional add-on available for cars up to 15 years old, covering roadside repairs, towing or transport in the Netherlands and abroad.

Wanneer je door een verkeersongeval niet verder kunt rijden met je auto kun je onze Hulpdienst inschakelen. Wij zorgen ervoor dat je geholpen wordt. Dit kan zijn berging, slepen, of vervoer van jouw auto, de bestuurder, passagiers en bagage naar een adres in Nederland.

[179] Replacement vehicle: Conditional ↩

Replacement transport (and a pick-up and delivery service) is provided when the car is repaired at one of Neerlandse's affiliated repairers.

Maak je gebruik van onze aangesloten herstelbedrijven, dan heeft dit voordelen voor je. Bijvoorbeeld, vervangend vervoer, haal- en brengservice en een lager eigen risico of geen eigen risico.

[180] Driver accident: €1,000,000 ↩

Optional Schadeverzekering inzittenden: covers damage to occupants and their belongings in a traffic accident with the insured car, up to €1,000,000 per event for all insured persons together; 25% less is paid if a seatbelt was not worn.

Het verzekerde bedrag bedraagt maximaal € 1.000.000 per gebeurtenis voor alle getroffen verzekerden samen. Bij het niet dragen van een veiligheidsgordel is de uitkering 25% lager.

[181] Own damage: Conditional ↩

Covers damage to or loss of the vehicle caused by a sudden external event, such as collision, overturning, skidding, going off the road or into water, and malicious damage/vandalism (Article 2.1a). This peril set is only included under the 'Volledig Casco' clause; it does not apply under 'Beperkt Casco'. Settlement follows the general valuation rules in Article 5.1 (repair cost or dagwaarde/aanschafwaarde/nieuwwaarde minus residual value) with no separate policy sum insured.

een plotseling van buiten komend onheil, zoals botsen, omslaan, slippen, van de weg raken of in het water belanden, kwaadwillige beschadiging/vandalisme;

[182] Total loss: Covered ↩

Total loss exists when the vehicle cannot technically be repaired, when repair costs exceed the difference between the applicable day/purchase/new value before the event and the residual value after it, or, under the new-value scheme, when repair costs exceed 2/3 of the guaranteed value. Payout is that pre-loss value minus the residual value; if the new-value/purchase-value scheme applies (private first owners, vehicle under 36 months, max €125,000 incl. VAT/BPM) that value is used instead of day value, otherwise day value applies with no policy cap.

de herstelkosten van het motorrijtuig hoger zijn dan het verschil tussen de van toepassing zijnde dagwaarde, aanschafwaarde of nieuwwaarde vóór de schadegebeurtenis en de restantwaarde van het motorrijtuig na de schadegebeurtenis (economisch totaal verlies);

[183] Partial loss: Covered ↩

Repairable damage is settled by reimbursing repair costs up to the difference between the applicable day/purchase/new value immediately before the event and the residual value after it; a 'new for old' deduction may be applied for wear-prone parts such as batteries, exhausts or tyres (Article 5.1). Repair invoices are only reimbursed if issued by a repair company established in the Netherlands, though necessary emergency repairs performed abroad remain covered.

Als het motorrijtuig beschadigd is: vergoeding van de herstelkosten tot maximaal het verschil tussen de van toepassing zijnde dagwaarde, aanschafwaarde of nieuwwaarde vóór de schadegebeurtenis en de restantwaarde na de schadegebeurtenis.

[184] Theft & robbery: Covered ↩

Covers joyriding, theft, attempted theft, break-in damage, misappropriation, and theft of parts/accessories (Article 2.2a), included in both Beperkt Casco and Volledig Casco. Cover is conditional on mandatory Kiwa/SCM security systems that vary by vehicle type, catalogue value and age (Article 2.5). A €30-per-day allowance, up to a maximum of 30 days, is paid while the vehicle is unavailable after theft or misappropriation (Article 5.10). Stolen accessories are reimbursed at new value if under 12 months old (against original receipts), otherwise at day value (Article 5.9).

joyriding met, diefstal van, poging tot diefstal van, braakschade aan, verduistering van het motorrijtuig of diefstal van onderdelen en/of accessoires;

[185] Glass damage: Conditional ↩

Covers a chip, break or crack in the glass (Article 2.2b), included under both clauses, but only if repaired or replaced by an NH1816-affiliated glass repair shop; if not, the claim is excluded (Article 3). A €75 deductible applies if the glass is replaced; repair by resin injection carries no deductible (Article 4).

ruitbreuk (een pit, een breuk of een scheur in of van de ruit), echter uitsluitend als de ruit wordt hersteld of vervangen door een met ons samenwerkend ruitschadeherstelbedrijf

[186] Natural perils: Covered ↩

Covers fire, explosion, short circuit or lightning strike; fire outside the vehicle if damage is a direct result of heat from another burning object; storm (wind force 7+, i.e. at least 14 m/s) that blows the vehicle over or drives objects against it; natural disasters such as earthquake, volcanic eruption, avalanche, flood, hail, tidal wave, landslide or falling rock; collision with a loose animal or bird (direct impact only); an aircraft crash or falling aircraft parts; and sudden external events while the vehicle is being transported by a carrier (Article 2.2c-i). Included under both Beperkt Casco and Volledig Casco.

natuurgeweld zoals een aardbeving / vulkanische uitbarsting, lawine, overstroming, hagel, vloedgolf, aardverschuiving, vallend gesteente / berginstorting;

[187] Vandalism: Conditional ↩

Malicious damage/vandalism to the vehicle is covered only under the 'Volledig Casco' clause (Article 2.1a); it is not part of the 'Beperkt Casco' peril set. A vandalism claim does not affect the bonus/malus discount if reported to the police within 14 days of discovery, though it does still count against the policyholder's pure claim-free years (Polismantel 5023, Article 3.3.3).

een plotseling van buiten komend onheil, zoals botsen, omslaan, slippen, van de weg raken of in het water belanden, kwaadwillige beschadiging/vandalisme;

[188] Roadside assistance: Covered ↩

After a covered damage event, the Nh1816 Hulpdienst covers costs of recovering, clearing or guarding the vehicle, transporting it to an address in the Netherlands, and taxi transport for driver/passengers, both in the Netherlands and abroad; a mechanical breakdown abroad is only reimbursed if the vehicle carries casco cover. No deductible applies to hulpverlening costs, though assistance can be limited if costs exceed the vehicle's value (Polismantel 5023, Articles 5.1-5.4).

Wij vergoeden de volgende kosten: a de kosten om het motorrijtuig te bergen, op te ruimen of te bewaken; b de kosten om het motorrijtuig te vervoeren naar een door verzekerde opgegeven afleveradres in Nederland; c de kosten om de bestuurder en de passagiers met hun bagage per taxi te vervoeren naar een door hen opgegeven adres in Nederland.

[189] Replacement vehicle: Excluded ↩

Extra costs following a damage event, such as rental car costs, are explicitly excluded except for delivery costs; such costs can be avoided or limited by using an NH1816-affiliated repair shop (Article 2.3). Separately, if the insured vehicle is temporarily replaced by a similar vehicle during its own repair or maintenance, the same casco cover extends to that temporary vehicle, but this is not a paid replacement-car benefit (Article 5.13).

De verzekeringsdekking geldt ook voor een tijdelijk vervangend motorrijtuig omdat het verzekerde motorrijtuig wordt gerepareerd, een onderhoudsbeurt of APK-keuring krijgt of een vergelijkbare behandeling ondergaat.

[190] Driver accident: See details ↩

No driver or occupant personal-accident benefit is described within the casco rubriek B(21) or the Polismantel 5023 package conditions provided; such cover would typically require a separate 'Ongevallen Inzittenden' rubriek not included among these sources.

[191] Own damage: Covered ↩

Covers damage to the policyholder's own car caused by an accident (even if the driver's own fault), fire, storm, hail or lightning, collision with an animal, damage caused by others such as vandalism or joyriding, and burglary/break-in.

[192] Total loss: Covered ↩

If the car is a total loss (technical or economic) or stolen and not recovered, payout is based on the new-value scheme (capped at 110% of the catalogue value stated on the policy schedule, only if the catalogue value is EUR 125,000 incl. VAT or less), or the purchase-value scheme for cars up to 6 years old bought from a dealer (also capped where catalogue value exceeds EUR 125,000 incl. VAT), otherwise the replacement value per the ANWB/BOVAG price list plus 10 percent, minus residual value; no deductible applies unless one is stated on the policy.

[193] Partial loss: Covered ↩

Repair costs for covered damage are reimbursed; no deductible if repaired via the SchadeGarant/GlasGarant network (unless a voluntary deductible is chosen), otherwise a deductible of EUR 150 (glass) or EUR 400 (all other damage and glass replacement) applies, plus any voluntary deductible.

[194] Theft & robbery: Covered ↩

Theft of the car or its parts is covered; after a police report, NN has 20 days to trace/recover the car, after which the policyholder can choose to take the recovered car back or receive the total-loss payout; cover for theft/joyriding can be voided if required security/anti-theft measures were not met.

[195] Glass damage: Covered ↩

Breakage or damage to the car's glass (cracks, chips and pitting, but not scratches) is covered; no deductible via GlasGarant, otherwise a EUR 150 deductible for glass repairs applies.

[196] Natural perils: Covered ↩

Damage to the car caused by fire, storm, hail or lightning is covered.

[197] Vandalism: Covered ↩

Damage caused by someone else to the car, for example vandalism or joyriding, is covered.

[198] Roadside assistance: €1,000 ↩

After damage (accident, fire, theft, other sudden external danger, wrong fuel), NN arranges a taxi ride within the Netherlands on the day of the damage, reimburses one overnight stay in the Netherlands if the driver cannot travel home, covers the cost of ordering/sending parts needed for repair abroad (repair costs themselves are not covered but can be advanced, with a deposit required above EUR 700), and reimburses up to three overnight stays abroad capped at EUR 1,000 for all insured persons combined.

[199] Replacement vehicle: €1,250 ↩

If the car is repaired via SchadeGarant and is a total loss, a replacement car is provided for up to 5 calendar days (extendable to a maximum of 14 days only if stated on the policy schedule). If the car is stolen, the policyholder can choose during the 20-day search period between a replacement car or a daily allowance of EUR 35 capped at EUR 700 (20 days); a EUR 250 deposit applies for a replacement car. If repairs abroad take longer than 2 working days during a holiday, rental car costs are reimbursed up to EUR 1,250 per event until the end of the original holiday.

[200] Driver accident: €1,000,000 ↩

Injury to the driver or occupants is not covered under the Casco cover itself, but can be insured via optional add-ons: Schadeverzekering Inzittenden pays up to €1,000,000 per event for injury to the driver and passengers and damage to their belongings, regardless of fault; Ongevallen Inzittenden pays a lump sum on death or permanent disability of the driver or occupants, chosen from €5,000 (death)/€25,000 (permanent disability), €12,500/€40,000, or €25,000/€60,000.

De maximale uitkering op de dekking Schade inzittenden is € 1.000.000,- per gebeurtenis.

[201] Own damage: Covered ↩

Almost all damage to your own car is covered, including damage caused by your own fault or negligence. Compensation is based on the higher of the ANWB/BOVAG price list or the day value; for imported cars only the day value is used.

Dekt schade aan je eigen auto, ook als jij die zelf hebt veroorzaakt. Bijvoorbeeld door een aanrijding door jouw eigen schuld of door nalatigheid

[202] Total loss: €110,000 – €170,000 ↩

If the car is declared total loss or stolen, the market value (higher of ANWB/BOVAG price list or day value) is paid minus residual value. Under the new-value scheme (nieuwwaarderegeling), the original new value is reimbursed up to €110,000 (Compact/Basic), €130,000 (Comfort) or €170,000 (Premium), if the car is within the age limit (≤12/24/36 months) and bought new from a BOVAG/brand dealer. Under the purchase-value scheme (aanschafwaarderegeling), up to €90,000/€110,000/€150,000 applies for cars up to 60/72/84 months old bought from a BOVAG/brand dealer, insured within 12 months of purchase.

Volledige nieuwwaardevergoeding als het voertuig total loss is, gestolen is of de reparatiekosten hoger zijn dan twee derde van de nieuwwaarde.

[203] Partial loss: Covered ↩

Repair costs for damage to your own car are reimbursed, but only if the damage is actually repaired. Standard repair is via the affiliated Fixico network; a higher deductible applies if you use a non-affiliated repairer without the Free Repair Choice add-on.

Bij schade aan je eigen auto vergoeden wij de reparatiekosten, maar alleen als de schade daadwerkelijk wordt hersteld.

[204] Theft & robbery: Covered ↩

Damage from fire, theft, joyriding, embezzlement and burglary is covered. If the car is found within 30 days, you must take it back and any theft-related damage is paid; if not found within 30 days, the market value is paid after you formally transfer the car (including papers and keys) to the insurer. Security requirements may apply for high-value vehicles.

Vinden we je auto binnen 30 dagen terug? Dan moet je de auto terugnemen. We betalen dan alle schade die door de diefstal is ontstaan.

[205] Glass damage: Covered ↩

Repair or replacement of broken or cracked glass is covered, including bagage damage caused by glass splinters (excluded on Compact, and excluded for panorama/sliding roof on Compact/Basic). Via an Autoglaz-affiliated repairer, there is no deductible for repair, and €150 for replacement (no deductible for replacement on Premium). Via a BOVAG or brand dealer, the deductible is €500 for repair on Compact or €250 on Basic/Comfort/Premium, and €500 for replacement on all tiers. No compensation is given if repaired elsewhere, unless the Free Repair Choice add-on is selected, in which case the same deductibles as an affiliated/BOVAG repairer apply.

Dekt de kosten voor het vervangen of repareren van kapotte of gebarsten ruiten. Ook kan het schade aan je bagage dekken, als die is veroorzaakt door glasscherven van de autoruit.

[206] Natural perils: Covered ↩

Damage directly caused by storm (at least wind force 7), hail, flooding or other natural disasters is covered on every tier.

Schade direct veroorzaakt door storm (minstens windkracht 7), hagel, overstroming, natuurrampen.

[207] Vandalism: Covered ↩

Intentional damage caused by third parties, such as vandalism, is covered on every tier of the Allrisk product.

Opzettelijke schade door derden (zoals vandalisme).

[208] Roadside assistance: Covered ↩

Base 'Noodhulp' emergency assistance (for accident, fire, theft, vandalism, extreme weather, or sudden illness of the driver) is included on every tier and reachable 24/7 via the Ominimo Alarmcentrale (+31 (0)20 290 5318). Separately, an optional 'Pechhulp' add-on for mechanical breakdowns can be added in three levels: Netherlands only, Abroad Basic, and Abroad Premium, each with different service limits (e.g. replacement vehicle days, hotel allowances).

Heb je onmiddellijk hulp nodig? Bel dan de Ominimo Alarmcentrale op +31 (0)20 290 5318. Dit nummer is 24 uur per dag, 7 dagen per week bereikbaar.

[209] Replacement vehicle: 15 days – 30 days ↩

While your car is repaired by an affiliated repairer, or after total loss, you can use a replacement vehicle: max 15 days on Compact/Basic, 21 days on Comfort, 30 days on Premium. In case of theft, all tiers get a replacement vehicle for up to 30 days (ending sooner if the car is recovered). Instead of a replacement vehicle, you can choose a travel allowance of €35/day (not combinable with the replacement vehicle).

Je krijgt bij Compact en Basic maximaal 15 (opeenvolgende) dagen een vervangende auto of reiskostenvergoeding. Heb je een Comfort-pakket, dan is dit maximaal 21 dagen. Bij een Premium-pakket is dit maximaal 30 dagen.

[210] Driver accident: €1,250,000 ↩

Optional add-on (Schadeverzekering Inzittenden) covering bodily injury and personal belongings of the driver and passengers following a traffic accident with the insured car. Maximum compensation is €1,250,000 per event, divided among all insured persons; compensation is reduced by 25% for a person not wearing a seatbelt if that affected the injury.

De maximale schadevergoeding bedraagt €1.250.000 per gebeurtenis, verdeeld over alle verzekerden.

[211] Own damage: Covered ↩

Damage to the insured vehicle itself is covered up to the insured sum stated on the policy. Extra ZEKUR (Beperkt Casco) covers own damage caused by a limited list of causes (fire, theft, break-in, glass breakage, weather/nature events, collision with animals); Super ZEKUR (Volledig Casco) additionally covers virtually all other causes of own damage, including damage caused by the policyholder.

6.1.1 Schade aan je auto door brand, ontploffing of kortsluiting

[212] Total loss: Covered ↩

If the vehicle is a total loss, ZEKUR pays according to the New Value scheme (vehicle less than 12 months old, first owner), then the Purchase Value scheme (used vehicle bought from a dealer, less than 1 year old, under 300,000 km), and otherwise the Replacement Value. These special settlement schemes require the insured sum on the policy to be no more than €85,000 including VAT; this €85,000 figure is an eligibility ceiling for the settlement scheme, not a cap on the casco insured sum itself.

het verzekerd bedrag dat op je polis staat is maximaal € 85.000,- inclusief btw; je auto is op het moment van schade nog geen 12 maanden oud.

[213] Partial loss: Covered ↩

If the vehicle is not a total loss, ZEKUR pays the repair costs up to the insured sum, minus the applicable deductible; repairs must be carried out by a ZEKUR-affiliated repair shop to be reimbursed, otherwise the claim is not paid.

Als de schade aan je auto verzekerd is betalen wij die tot maximaal het verzekerd bedrag dat op je polis staat. Wij houden rekening met het eigen risico dat op je polis staat.

[214] Theft & robbery: Covered ↩

Theft of, or attempted theft of or break-in into, the vehicle or its parts (including joyriding and embezzlement) is covered under both Beperkt and Volledig Casco. If the vehicle is not recovered within 30 days of the claim being reported, it is settled as a total loss; during the waiting period ZEKUR pays €30 per day (incl. VAT) toward a replacement car.

Wij wachten maximaal 30 dagen of je auto wordt gevonden. Dit gaat in op het moment dat je de schade bij ons meldt. In deze periode betalen wij € 30,- inclusief btw per dag voor een vervangende auto.

[215] Glass damage: Covered ↩

Breakage, cracks or chips to windows/the glass roof are covered if this is the only damage to the vehicle, and only if repaired/replaced by a ZEKUR-affiliated glass repairer; a €250 deductible applies unless a €0 deductible was chosen.

Schade aan de ruiten of het glazen dak van je auto Dit geldt voor breken, barsten of sterretjes. Dit geldt als er geen andere schade is aan je auto.

[216] Natural perils: Covered ↩

Covers hail, storm (parked vehicle blown over, or objects blown/falling onto it during a storm), lightning, flooding, falling stones, avalanches, and earthquakes occurring abroad.

hagel die op je auto valt; storm, als: de auto geparkeerd staat en omver waait; ... bliksem; ... overstroming; vallende stenen; lawines; aardbevingen in het buitenland.

[217] Vandalism: Conditional ↩

Not separately listed under Beperkt Casco (only riot-related damage to the vehicle is covered there under 6.1.5); malicious damage/vandalism by third parties in general is covered under Volledig Casco as part of 'all other causes originating from outside the vehicle' (Art. 7.1).

relletjes. Dit geldt als de openbare orde is verstoord.

[218] Roadside assistance: Optional ↩

Optional add-on (chosen separately, vehicle must be no older than 16 years) offering breakdown assistance in the Netherlands and/or Europe: on-site repair, towing, storage, replacement transport and vehicle repatriation, subject to per-incident and per-year limits (e.g. up to 7 assistance calls per year, max 2 per year including replacement transport).

Met de pechhulpdekking krijg je hulp bij pech met jouw auto. Verzekerd is de auto waarvan het kenteken op je polis staat.

[219] Replacement vehicle: €30 ↩

A free courtesy car is provided during repair at a ZEKUR-affiliated repair shop. Outside the network, ZEKUR pays €30/day (incl. VAT) for a replacement car for max. 10 days following a total loss, or €30/day for max. 30 days while waiting to see if a stolen vehicle is recovered.

Wij betalen maximaal € 30,- inclusief btw per dag voor een vervangende auto als de schade aan je auto verzekerd is. Dit doen wij maximaal 10 dagen.

[220] Driver accident: Optional ↩

Optional add-on covering injury, death, and damage to belongings of the driver and passengers involved in an accident with the insured vehicle, up to the insured sum stated on the policy; it is not automatically included with casco cover and must be selected separately.

Je bent hiervoor verzekerd als deze dekking op je polis staat. De Schadeverzekering Inzittenden is een aanvulling op je autoverzekering.

[221] Own damage: 100% of insured sum ↩

All damage to your own car is covered, including damage caused by your own fault, up to the amount stated on the policy schedule

Alle schade aan uw eigen auto is verzekerd. Ook als het uw eigen schuld is.

[222] Total loss: Conditional ↩

On total loss or theft within 24 months of purchase, the full new value or purchase value is paid; in months 25-36 a 1% per month depreciation applies; after 36 months only the daily value is paid. Applies only if new-value/purchase-value scheme eligibility criteria are met (first owner, non-lease, non-import, max €100,000 new value, etc.)

In de eerste 24 maanden na aanschaf vergoeden wij de aanschafwaarde van de auto; In de 25ste tot en met 36ste maand na aanschaf geldt de aanschafwaardeling nog steeds.

[223] Partial loss: 100% of insured sum ↩

Partial damage is reimbursed up to the difference between the value immediately before and the residual value after the event, up to the insured amount

Als uw auto gedeeltelijk beschadigd is: vergoeding van de herstelkosten tot maximaal het verschil tussen de waarde onmiddellijk voor de gebeurtenis en de restantwaarde na de gebeurtenis.

[224] Theft & robbery: 100% of insured sum ↩

Theft of the car, parts or accessories, embezzlement, break-in and joyriding are covered, but only if the vehicle meets the specified anti-theft/security requirements stated on the policy schedule

diefstal van uw auto als deze niet aan de door ons gestelde beveiligingseisen voldoet. Indien er specifieke beveiligingseisen van toepassing zijn vindt u deze op het polisblad;

[225] Glass damage: 100% of insured sum ↩

A broken window or sunroof, including damage from glass shards, is covered. Glass repair is only reimbursed if performed by a ZLM-cooperating repairer (no deductible); glass replacement is covered at any repairer but costs €45 with a cooperating repairer versus €135 elsewhere

Moet een ruit worden vervangen? U betaalt dan € 45,- als u een reparateur inschakelt die met ons samenwerkt. Anders betaalt u € 135,-.

[226] Natural perils: 100% of insured sum ↩

Damage from fire, explosion, self-ignition, short-circuit or lightning is covered, as well as storm (wind force 7 or more) and natural violence such as earthquake, avalanche, flood or hail

brand, ontploffing, zelfontbranding, kortsluiting of blikseminslag; storm: schade door omwaaien van uw auto of door een vallend voorwerp. Van storm is sprake bij windkracht 7 of meer (een windsnelheid van ten minste 14 meter per seconde); natuurgeweld zoals een aardbeving, lawine, overstroming of hagel;

[227] Vandalism: 100% of insured sum ↩

Damage caused by vandalism is covered under the full casco (allrisk) coverage, unlike the limited casco coverage which excludes it

vandalisme;

[228] Roadside assistance: Covered ↩

In the Netherlands, assistance is provided when the car cannot be driven after a covered event or the EV battery is flat/broken (pure mechanical/electronic breakdown is excluded domestically). Abroad, allrisk policyholders also get roadside emergency repair, towing to the nearest garage, parts dispatch (prepayment required above €1,000) and a replacement driver; transport to the Netherlands only if repair is not possible within 48 hours

De kosten van een noodreparatie langs de weg. De kosten om uw auto (en eventueel de gekoppelde aanhangwagen) te bergen of te vervoeren naar de dichtstbijzijnde garage.

[229] Replacement vehicle: €15 ↩

Free replacement transport is provided while the car is repaired by a ZLM-cooperating repairer. Separately, on theft or embezzlement of the own car, a rental car allowance of up to €15 per day for a maximum of 30 days is paid

Tegemoetkoming voor de huur van een andere auto bij diefstal of verduistering van uw eigen auto. De vergoeding bedraagt hoogstens € 15,- per dag gedurende maximaal 30 dagen.

[230] Driver accident: €1,000,000 ↩

An optional add-on that pays out for personal injury of the driver and passengers after an accident regardless of fault, including loss of income, household help, medical costs, pain and suffering, and funeral costs, plus damage to baggage/clothing, up to €1,000,000

Deze verzekering vergoedt na een ongeval letselschade van de bestuurder en inzittenden van uw auto. Het maakt hierbij niet uit wie het ongeval veroorzaakt heeft. Denk bij schade aan bijvoorbeeld inkomensverlies, kosten voor huishoudelijke hulp, medische kosten, smartengeld en de kosten van een uitvaart. Ook vergoeden wij schade aan uw bagage, kleding of spullen in de auto. Deze kosten zijn verzekerd tot maximaal € 1.000.000,-.